OCBC FRANK Credit Card offers cash rebates whenever you eat out, hang out at bars, clubs, cafes, KTVs and shop online. Maximise your rebate earning potential by spending a minimum of S$400 per month. The key part is that you earn rebates on your Grab rides as well.
Best suited to : Millennials who transact online frequently, regularly visit bars, clubs, KTVs and cafes.
|Annual fee||S$80 (waived for the first two years)|
|Cash rebate on dining||
|Cash rebate on online shopping||6%|
|Cash rebate on entertainment||
|Cash rebate on NETS FlashPay Auto Top-Ups||3% on the first 2 top-ups every month|
|Cash rebate on all other retail spends||0.3%|
|Complimentary travel insurance||Not available|
Suppose you have spent S$1,000 in a month across spend categories in Singapore. According to the programme, you need to spend at least S$400 on offline purchases to earn rebates. Hence, the amount of cash rebate you will earn for different categories is shown in a table below:
|Cash rebate||Monthly spend||Cash rebate rate||Cash rebate amount|
|Total||S$1,000||Cash rebate earned is S$52|
|Type of Interest||Rate|
|Retail purchases||25.92% p.a.|
|Cash advance||28.92% p.a.|
|Instalment Payment Plan||0%|
|Type of charge||Charge|
|Overseas transaction fee||2.8%|
|Late payment fee||S$100|
|Cash advance fee||S$15 or 6% of the transacted amount, whichever is more|
|Supplementary card fee||S$40 (waived for the first two years)|
Yes, you must activate the magnetic stripe on the back of your credit card for overseas use. This stripe remains inactive, by default, to prevent fraudulent activities on your card. To activate this feature, you can follow these steps:
Once you return to Singapore, you must deactivate the overseas use feature to keep your card safe.
Visit our dedicated OCBC credit card main page to check the eligibility criteria for this card.
Find out about the various perks and benefits of a credit card when applying online. With credit cards explained in detail on our website, you can make a quick comparison, read the information, and decide on the right card.
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If you intend to pay either the full card amount or the minimum amount every month, you can set up a GIRO transaction with a bank account. Fill up the GIRO form and send to the bank. You will not have to worry about remembering monthly payment due dates on the card.
Using the OCBC Bank’s online portal, you can apply for an OCBC Frank Credit Card. You could also visit a FRANK store or an OCBC branch. You can track your card application status by reaching out to the OCBC’s 24/7 customer service hotline.
Your card balance can be tracked in one of these ways:
Pay your credit card bill in one of these ways:
Your minimum payment every month will either be 3% of the pending balance amount or S$50, whichever amount is higher, will be considered. All outstanding dues from the previous billing cycles have to have been cleared to enjoy this perk.
You’ll qualify for an interest-free period of 23 days only if you don’t have any outstanding dues from your previous billing cycles.
Your OCBC Frank Credit Card can be linked to the mobile wallets mentioned below:
Yes, the OCBC Frank Credit Card can be used with EZ-Link.
You need to call OCBC’s 24-hour customer service hotline to block or unblock your OCBC Frank Credit Card.
You need to follow the steps mentioned below to reset your credit card PIN:
Alternatively, try using your phone banking or online banking credentials.
Your monthly card statement will have the details regarding your billing cycle and due date. The billing period will be determined based on the number of working days in a month under consideration. The billing cycle will vary from customer to customer.
You need to submit the ‘Services for Credit Card’ form to the OCBC Bank. Your request for a replacement card will be processed in less than 5 business days. You could also use phone banking, mobile banking or internet banking modes.
In order to increase your credit limit on a temporary basis, you need to call OCBC’s hotline and get in touch with one of the customer service officers.
You’ll be approved with a temporary increase on your card limit under the following circumstances: